Q: What impact does Avoca Volunteer Fire Department have on my homeowners insurance?
A: Insurance rates are established by the Insurance Services Office, a rating service that establishes different ratings for Insurance Companies in Tennessee. Most states have a similar service.
These ratings are based on specific equipment requirements, response times, manpower, recordkeeping, fire hydrant locations & numbers,and various other factors., including on-site inspections. Based on these requirements, each fire department service is rated on a scale of class 1 - 10, with class 1 being the very best.
In Sullivan County, the normal rating is an I.S.O. Rating Class 9 , with the Cities in the County having ratings from Class 3 thru 5. Avoca Vol. Fire Department has attained a rating of Class 5. Based on this rating, most homeowners insurance costs in the Avoca area have been reduced by 40% - 50%, resulting in a significant savings.